State Life bonus rates 2025
Every year State Life adds a profit, called a bonus, to your policy: so many rupees for every Rs. 1,000 of your cover. Once added, it is guaranteed by the Government of Pakistan and paid to you at the end with your cover. These are the latest rates, as published by State Life.
In simple words
- On a 20-year Endowment with Rs. 10 lakh of cover, the 2025 rates add Rs. 52,000 a year in years 1–5, Rs. 117,000 a year in years 6–16 and Rs. 178,000 a year from year 17.
- The rate goes up the longer your plan runs, so the last years earn the most.
- Plans paid for more than 10 years also get an end-of-plan bonus when they finish.
- Future rates are set every year and can go up or down; bonuses already added can never be taken back.
Work out your own payout
Pick a plan, your cover and the number of years.
Estimated payout at the end
Rs. 4,159,000
about Rs. 41.59 lakh, after 20 years
- Your cover (sum assured)Rs. 1,000,000
- Yearly bonuses, 20 yearsRs. 2,259,000
- End-of-plan bonusRs. 900,000
The end-of-plan (terminal) bonus is paid because you pay for more than 10 years: Rs. 90 per 1,000 of cover for each year beyond the tenth. You pay for 20 years; your yearly payment depends on your age. For scale, State Life’s own example: a 40-year-old pays Rs. 251,150 a year for Rs. 50 lakh of cover over 20 years.
Get my exact yearly paymentEstimate only. It uses State Life’s bonus rates declared for 2025 (valuation as at 31 December 2025) and assumes the same rates every year, with every premium paid. State Life says future bonus rates “may either go up or down”; declared bonuses, once added, are guaranteed by the Government of Pakistan. Your official illustration from State Life is the binding figure.
Want your exact numbers?
Tell us your name and number. An advisor will send you the yearly payment for your age and a year-by-year illustration from State Life — free, with no obligation.
Reversionary bonus — Pak Rupee policies
Rupees per Rs. 1,000 sum assured, per policy year, by how long the policy has been in force.
State Life applies the Endowment rows to its other endowment plans too, including Golden Endowment and Jeevan Saathi (by policy term), and the Anticipated Endowment rows to Family Pension. Takaful plans are not in this table — see the official bonus rates page, or ask us for the figure that applies to your plan.
How to read the table
- Find your plan and its term. A 20-year Endowment (Table-03) uses the 20+ years row; Platinum Plus has a single row.
- Read across for the policy year you are in. Bonus rises in steps: one rate for years 1–5, a higher one for 6–16, and higher again from year 17.
- Multiply by your sum assured in thousands. At the “years 6–16” rate of Rs. 117, a Rs. 1,000,000 Endowment earns Rs. 117,000 of bonus that year — added to the policy, paid out with the sum assured.
Bonus questions
- Is the bonus guaranteed?
- Once a bonus is declared and added to your policy it is guaranteed by the Government of Pakistan and cannot be reduced. Rates for future years are not guaranteed and are set at each annual actuarial valuation.
- When is the bonus added to my policy?
- Bonuses are declared after each year's actuarial valuation (as at 31 December) and credited to with-profit policies that are in force. They accumulate on the policy and are paid with the sum assured at maturity or on death.
- Why does the rate go up after year 5 and year 16?
- State Life rewards policies that stay in force: the rate per Rs. 1,000 steps up at year 6 and again at year 17, so long-term policyholders earn a larger share of the surplus.
- What is the terminal bonus?
- An extra bonus paid on maturity and death claims in 2026 for policies that have paid more than ten years' premiums: Rs. 90 per 1,000 sum assured for each year's premium paid beyond the tenth, up to Rs. 1,800 per 1,000. A 20-year plan earns Rs. 900 per 1,000; only a plan paid for 30 years reaches the Rs. 1,800 cap. It does not apply to Anticipated Endowment policies.
Source: State Life Insurance Corporation of Pakistan, bonus declaration for the actuarial valuation as at 31 December 2025. In the Corporation’s words, “bonus rates for future years are not guaranteed and may either go up or down depending on future actuarial valuations.” StateLife Advisors is an independent authorized agency; this is not the official State Life website.